James Kirk is prepared to start a new business. He researched what is required of an entrepreneur. He created a business plan, he found a way to finance this enterprise, he decided on a business structure and learned the mechanics of running a business.


As much as he has prepared, running a business isn’t easy. Work-related pressure can lead to a host of stress-induced problems: headaches, sleepless nights, irritability, weight gain and lost productivity. Common sources of stress: excessive workloads, concerns about making money, fears about making payroll, under-performing customers’ expectations, and feeling increased pressure to succeed.


  • STEP Financial process:

  • Focus on the long-term broad-based scheme of things.
  • Find a work/life balance.
  • Develop an investment philosophy and risk analysis.
  • Start saving for retirement.
  • Create an investment portfolio appropriate for his risk tolerance and ability to take risks.
  • Discuss ways to protect his future: through insurance, estate documents, etc.
  • Determine the best way to position him to receive a favorable tax treatment.
    • "Remember your dreams and fight for them. You must know what you want from life." - Paul Coelho

    • "Failing to plan is planning to fail." - Alan Lakein Lakein

    • "Never underestimate the power of dreams and the influence of the human spirit." - Wilma Rudolph

    • "Before beginning, plan carefully." - Marcus Cicero